Business | How to Become an Automatic Millionaire | A Powerful One-Step Plan to Live and Finish Rich with 9 times Best-Selling Author David Bach We Have More Than DOUBLED Our Business Since Working with You.” – Gabe Salinas

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Business | How to Become an Automatic Millionaire | A Powerful One-Step Plan to Live and Finish Rich with 9 times Best-Selling Author David Bach

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What if you could decide today to become an automatic millionaire simply by changing just a few daily habits? And the good news is you only have to make the decision one time and then you can be a hundred percent certain for sure that you would in fact retire as an automatic millionaire. Well on today’s show, the nine-time New York Times best-selling author Mr. David Bach joins us to teach you his secrets for becoming an automatic millionaire. Some shows don’t need a celebrity narrator to introduce the show. But this show does. Two men, eight kids, co-created by two different women, 13 multi-million dollar businesses. Ladies and gentlemen, welcome to the Thriving Timeshow. Time Show. Count 3, 2, 1, here it comes! Started from the bottom, now we’re here. Started from the bottom and we’ll show you how to get here. Started from the bottom, now we’re here. Started from the bottom, now we’re here. Started from the bottom, now we’re here. Started from the bottom and we’ll show you how to get here. Yes, yes, yes, and yes! Thrive Nation, ladies and gentlemen, on today’s show we are interviewing a nine-time New York Times best-selling author who is best known for his Finish Rich book and the Automatic Millionaire series of financial books. He’s just recently released his 20th anniversary edition of his mega-seller, Smart Women Finish Rich. David holds an undergraduate degree from the University of Southern California, and throughout his career, he has appeared on the Today Show, CNBC, Fox Business, Live with Regis and Kelly, The View, Larry King, The Oprah Winfrey Show, and anywhere on the planet that TVs are sold. Ladies and gentlemen, David has impacted my life in a profound way with this thing he calls the latte effect. Let’s welcome on, without any further ado, Mr. David Bach. Welcome on, sir. Wow, I love it. Well, it’s great to be on the show with you. Thank you for I don’t know just a totally awesome Introduction I love your energy David years ago my wife and I we were getting this book called the automatic millionaire because I Don’t do road trips unless I have an audiobook and then if I listen to the audiobook and I like it I buy the physical book so I picked up the book called the automatic millionaire and at the time I had a company called DJ connection, which I later sold but before I sold it we were doing 4,000 weddings or corporate events a year and it still exists DJ connection calm and You said you challenged me you said you mr. Clay Clark you mr. Listener you mr. Whoever you are you have to save at least one hour per day of income Regardless of how much money you’re making and at the time I was making a copious amount of money. Can you talk to us about the importance of beginning to save one hour per day of income regardless of how much money we’re making? Yeah, I mean I would love to because honestly this is what should be taught to you before you get out of like the eighth grade. So let me start by saying this, the average person in America is going to work 90,000 hours. That’s a lot of hours, right? And if you’re both working, which today many families both work, you could have a family that the two of you combined will work over 200,000 hours during your lifetime. So if you just take that math and you go, well, geez, I guess if people are working so hard, then they must all end up with a lot of money, right? Because you trade your time for money when you go to work. So are they? And that’s really the core issue, they’re not. So one out of two Americans right now according to the Federal Reserve can’t get their hands on $400 in case of emergency purposes. $400, so the follow up book to The Automatic Millionaire was actually a book called Start Late Finish Rich and when I wrote Start Late Finish Rich, the thing that blew my mind away was that the statistics said that 60% to 70% of Americans live paycheck to paycheck. So what I started saying to people was, ìLook, hereís the deal. The entire secret to building wealth is that you have to fight for your paycheck and you have to keep the first hour of the day of your income.î And what that means is super simple. You go to work at 9 oíclock and you work until 5. On a typical day, you need to keep whatever you earn the first hour. So from 9 to 10, let’s say you make $20 an hour or $50 an hour or $100 an hour. Whatever that first hour of income is, it’s got to go straight to you. And the only legal way to have it go straight to you where it doesn’t go to taxes or social security or state tax. Like I live in New York City, right? I’ve got federal tax. I’ve got state tax. I’ve got city tax. I’ve got social security tax. When I earn a dollar, over 40 cents on the dollar is gone before I can ever see it, right? The only way I cannot pay those taxes, and the key word here is legally, is if I take money that first hour day of my income and I put it in a deductible retirement account. So for someone who’s listening that’s got a job, it’s gonna be like a 401k plan or if you’re a teacher It’s gonna be a 403 B plan or if you’re a government worker It might be a TSA plan or if you’re self-employed like you probably you know, you’re self-employed, right when you had this DJ connections Yep, it’s a self-employed retirement account. It’s like a set by IRA account and You know many entrepreneurs don’t even fund these accounts because they don’t even know about them. So the whole concept of pay yourself first, one hour a day of your income is that if you do that, you’re saving 12.5% of your gross income and that’s a really good starting number. Now I got to be honest, I’m starting to try to get Americans to save more than that. You know, 15 to 20% of your gross income is even better and I taught that in the Automatic Millionaire. Like if you want to get rich faster, it’s 15 to 20%. But getting people to focus on one hour a day of your income, I really do think it’s been a game changer. Like when I wrote, when I put out The Automatic Millionaire, we launched the book on the Oprah Winfrey Show, and this is back in 2004, and this idea of getting people to think about it in terms of why would you go to work and not keep the first hour a day of your income, I think it was like a light bulb moment for people. Like obviously it reached you, right? Like you remembered it and it got other people to kind of go home and think about that and talk about it with their wife and talk about it with their family and make that a goal. You know what? And it’s a great goal. One thing that, and I mean this in a positive way, so if you don’t like this compliment, if you feel like this is a backhanded compliment, you can feel free to hang up and I’ll know. Click. I’ll pick up on that subtle cue. But you are not Yoda, you know, you’re more of a Broda. I mean, you are like, the way you write, the way you write is like, I feel like it’s my brother from another mother writing on a third grade level that I can understand. You don’t talk in financial jargon. Your books are very easy to read, easy to understand. They’re real page turners. I mean, they’re very easy to read. And in one of your books you wrote, you said, the number one financial mistake is not to have your finances on automatic. And I wrote that down in my man journal, man journal. I wrote it down. And I wrote it down, I go, automatic. I mean, everything about my company, DJ Connection, was automatic. Every DJ had a checklist for their shows. After the wedding, we sent the bride a survey. Based on their survey, we determined how much the DJ got paid. And so if a DJ got a bad review, he made very little money. If he got a great review, he made a lot of money. Everything in my life is automatic. Checklist, systems, processes. Why aren’t my finances automatic? Can you explain to our listeners what it means to have, help us, help us get our finances on automatic? Yeah, well, I mean, here’s why it needs to be automatic. I mean, I learned this by being a financial advisor, working with people in the real world. What I saw is that when someone says, you know, I’m disciplined, David, I’m going to write a check, I’ll bring you the money every month to save.” Nobody did it. They might do it for two months, the record was six. So what I saw firsthand was the only way people will really save money for whatever it is, retirement, buying a home, college savings, wanting to start a new business, the only The only way people are successful at investing and saving is when they save automatically and when they have the money moved automatically. So the automatic millionaire was really about simple idea and nothing has changed because it’s timeless principles. First of all, don’t try to have a budget because budgets suck. People have been told for decades and generations, you need a budget. If budgets worked, then everybody would be wealthy. But you go on a budget, they’re totally frustrated, a couple fight over their budgets all the time. What works is saving money automatically. So I taught in the automatic millionaire, throw the budget out. I learned with my clients, forget the budget, let’s just make sure you’re taking 10% off the top or 20% off the top. Let’s move this money automatically. Every time money comes in, let’s move it automatically into the places It needs to go and that’s kind of a the next part of automation is where does the money need to go? And when you get into real financial planning if you were to simplify it Which is why I live to do is to make it simple because the problem with money is people make it too complicated True if you were to simplify money, there’s like a handful of things that you need to make automatic You need your bills made automatic. You need your emergency account made automatic. You need your retirement account made automatic. And then you need a dream account made automatic. Oh, yes. David, I want to put this all in the show notes. Will you just, I want to, my passive aggressive attempt to book you on the show again. I mean, you are so good. You’re preaching this automatic, automatic, automatic. Somebody out there is going, I want to make it automatic. What do I do? What do I do, David? And here’s the thing that’s incredible, is like, this used to be so hard, this didn’t used to be easy to do, right? Like 20 years ago, I got in this business in 1993, I had to think about this for a second. So you know, back in the day, if you would come into my office and I was at Morgan Stanley and I wanted to just automate a savings account for you, I’d have to have you fill out like six pieces of paperwork. It was a huge process, right? Today when somebody wants to do anything automated, now with technology you can literally open up your iPhone, go click, click, click and most financial service companies today are at a point where you can have your financial life in some cases automated in less than 10 minutes. You can open up a savings account in less than 10 minutes online. You can have an automated retirement account with a diversified portfolio in less than 10 minutes. Things have been made really simple. And by the way, that simplicity is also making it so that now more and more people are saving money automatically. There are now a lot of people who are building real wealth because of automated savings. And by the way, back in 1993, a lot of our listeners probably couldn’t focus on their finances because they were listening to Wump, There It Is. Oh, yeah. And now people have the ability to focus. That song was hot back in 1993. Just a little DJ fun factoid for you. I want to ask you this because I know there’s somebody out there who’s a big fan of Marie Forleo. And I saw you on an interview with her where you were quoted as having written in the past, you wrote, we need to start with our values because your values can determine how hard you are willing to work to achieve your financial goals. How much money you currently spend and how much money you will actually need for retirement. Could you talk to us about the importance of knowing our financial values? Yeah, absolutely. I mean, first of all, I love Marie Forleo and I love that you watched that video. It’s a great video. People can go and find that, David Bach, Marie Forleo. I’ll put a link to it on the show notes. Yeah, because that was a great interview and I love her and she’s here in New York City also and we’ve become good friends. And I’ve known Marie for over 10 years and I think what I’ve always talked about since the beginning of my career is that all financial planning is personal but it should be based off your values. If you can look at what’s really most important to you? Why do you want money? Instead of just saying like, oh, I want a million dollars. Why do you, what is it that you want? Why do you want money? Well, geez, I want to be financially free. Well, what does that mean to you? You know, I’d like to go start a new business or I’d like to take my family to Hawaii or I want to make sure that I have security. I want to be able to give back to my community. If you can drill down deeper into what your values are. And I teach in some of my first books, like Smart Women Finish Rich, which we just put out as a 20-year anniversary edition. That was my first book. Smart Women Finish Rich starts by having you look at what your values are. And once you’re clear on your values, you make your financial goals based off of those, and then you do all your financial planning around those. I have a quick confession real quick because this might get weird. Chuck, this might get weird for the listeners out there. Sometimes it does. I’m sorry, Dave. I know we’re just meeting each other. I feel like I’ve known you forever because I’ve listened to every interview you’ve ever done. We go way back. Here’s the deal. I actually read Smart Women Finish Rich in preparation for today’s show. You did? Wow. We had the 20th anniversary, and it was like, it wasn’t super woo-woo. I mean, you didn’t tell me, Clay, make sure you get estrogen injections. I mean, it wasn’t super weird, but the thing is, there’s so many women. In my case, in my family, my wife and I, we have five kids and we work together on everything. We work together on every business. And I’m offense, my wife’s defense, and the service we offer, or the product we offer for any company is the special teams. I’m the offense, I do the marketing, the advertising, that kind of the sales. And my wife does the accounting the financial planning and when I picked up the book That’s what my wife does Vanessa does the financial planning for our family? And I think there’s a lot of women out there who have their head down and they assume that their husband is doing the financial Planning they assume that they’re doing something they go through a divorce. They go through a medical issue Their husband passes away something terrible happens, and they then they discover that their husband has not been actually saving money. Can you talk to the ladies out there, all the single ladies, all the married ladies, all the sophisticated mamas out there, who are finding themselves totally unaware of what’s going on financially and why they should pick up Smart Women Finish Rich? Yeah, well, I mean, absolutely. So Smart Women Finish Rich was the first book that I wrote. I’m glad that you read it because, you know, I give that book to a lot of my guy friends back when I wrote it and it’s very helpful I think the thing for women to know is this if you’re in a marriage right now and you have a good marriage that’s great but what you need to know is you’re gonna outlive your husband oh come on so so negative so but I’m gonna I’m gonna like cut to the chase here because there’s really three core issues that women face in most cases women outlive their husbands 80% of women die Widowed and 80% of men die married So the average age of widowhood when I wrote the book originally was 56 Today, it’s it’s 50. It’s gone up. It’s 59. That’s still that’s still really young And and for you know the family and that if you will, how is that possible? Because women tend to marry men that are older, men pass away first. So the first thing you need to know is, I always tell ladies, I don’t care if you’re married to the local bank president, at some point, there’s a very good chance you’ll be the one in charge of the money. The time to be in charge of not just paying the bills, but knowing where all the money is, is today. So knowing where’s the will, where’s the life insurance, do we have life insurance, where are the retirement accounts? Are we putting enough away in our retirement accounts? Are the beneficiaries up to date? Where is the college savings plan? All these things, there are like 17 things that I list in the book that are what I call a finisher’s quiz. You go through all these questions to take a look at what you know or what you don’t know since you can get on track with it. But the thing women need to know is you’re going to be in charge of the money at some point so it’s the best time to be in charge of money now. Second thing to know is you’re going to live longer in retirement than most men do. Women are often retired 5, 10, 15, 20, in some cases 30 years longer than their husbands so you need more money set aside for retirement. And the third thing you need to know is that a lot of women are earning less than men, which women know this, but the reasons why haven’t changed a lot over 20 years. One is, first of all, they’re not paid equally in many cases but then they take time off from work to be full-time moms, which is a full-time job. And on average, women take somewhere between seven to 11 years off from work at prime earning years. So when they have children, and I don’t know, it doesn’t sound like your wife did this, but when a lot of women have children, that becomes their full-time job and therefore they’re walking away from work or they’re having to leave work because of their situation in their prime earning years which impacts their income and impacts how much money they have in savings. It’s not just in savings, it’s in social security and it’s in pension plans and women have less money in Social Security and pension plans. So what Smart Women Finish Rich was all about was empowering women to wake up to what it is you specifically need to do to fix this what’s called a retirement gap. How do you protect yourself as a woman? My mission, my mantra for 20 some years has been I don’t care if you’re married, single, widowed, divorced, you have to be the one in charge of your financial life. I learned about money from my grandmother, Rose Bach. She was a woman who started with nothing, without a college education. She became a self-made millionaire. She was broke at 30. She learned how to do this and she passed the lessons forward. She taught my father how to do it, myself, my sister. And really when I started teaching seminars for women and money back in 1994, it was in an effort to basically pass along these lessons from my grandmother because I had seen so many women hurt through widowhood and divorce financially and I just wanted to do something about it. And the crazy thing is here, I’m here 24 years later. Smart Women Finish Rich has sold a million copies. It’s one of the most popular books for women and money that’s ever been out. I’m psyched that you just read it because when I went to go update it, the message was timeless. I just had to update things like the tax rules and the different retirement accounts that are available and the different financial service companies, but the message is timeless and it’s timely. I think more women today are waking up to the fact that if you want to be in charge of your life, be in charge of your money. David, just for the listeners out there who listen to our show regularly, I want to share this with you. When I was building DJ Connection, my wife and I, we got married when we were 20 years old. We’re 20 years old. We started our company. Everyone kept saying, when’s the baby due? We weren’t pregnant. We just got married early. We went to Oral Roberts University in Tulsa, Oklahoma. We started DJ Connection. We decided we want to have five kids. We want to be married for a few years. And so we ended up having, we were married about four years and then we had five kids under the age of seven. Boom, boom, boom, and then twins at one time. Boom, boom. And so my wife did peace out. She did leave, she did exit the daily operations of the company, but every week she would look at our finances and she would say, baby, are you saving some money? And I would say, because I’m the spender in the family, David. I go, baby, I just want to buy a little bit of pinion wood, just a little bit of nice limestone rocks for my backyard. I just want to. I’m the guy who always wants to buy one more accoutrement, one more piece of decor. You know what I mean? I’m the guy who likes to buy speakers, new microphones. I’m kind of an audiophile. But my wife would always rein it in and say, this is how much you can spend this week. And when she first started presenting this to me about year two of our marriage, I thought, she hates me. She hates me. I thought that because my wife would tell me, you have definitely exceeded your $1,000 per week discretionary spending budget or whatever. And so next week you can spend $200. And I’m like, oh, you’re unbelievable. Why do you hate my dreams? But I think there’s somebody out there in the family. Talk to the couples out there. Maybe the husband’s the one who’s locking down the automatic savings. Maybe it’s the wife who’s doing it. Can you talk about why the person who’s being financially prudent and who sets up the automatic millionaire process is not actually the enemy, but they’re actually the hero? Well, OK, so let me ask you, because this happened to you. Are you glad that she did this to you? Yes, yes, but I was so pissed consistently. I thought she hated me every week, but then I was happy the next week. So let’s talk about you, because you’re a living, breathing example of this. When did you turn the corner and realize, you know what, actually this is a pretty good idea, I’m glad we did this? A little confession, I know you’re not a priest, but you could be the financial coaching priest for people out there. I’ve been married 17 years, I’m 37, and I think when I turned 27, I finally said thank you because I’m a horrible person. Well, you know, it’s interesting, right, because it’s seven years. So I think what it is is that here’s the truth about saving and investing and doing these things really right. You don’t notice the impact, the positive impact always right away. You might notice the pain at first, right? Like, oh, I don’t have the money. I’m not being allowed to go out. Like my grandmother, I’ll use my grandmother box. She realized at 30 she was broke, living paycheck to paycheck and was never going to be able to get ahead unless she changed things in her life. And so she started saving 50 cents a week, 50 cents out of her paycheck, 50 cents out of my grandfather’s paycheck. In order to do that she had to go she worked at Gimbel’s department store Milwaukee Wisconsin and she had to brown bag her lunch and when she went to Gimbel’s with her brown bag of lunch and her girlfriends would go out to lunch they would tease her and be like oh Rose you’re so cheap and she’d say you know what I’ve made a decision I’m gonna start saving money because I want to have I want to retire down to the beach at some point and they laughed at her right well you know later on in life she wasn’t spending the winters in Milwaukee, Wisconsin, where it’s freezing. She was at the beach in Laguna Beach, California. And, you know, but that took for it. That took like four decades. Right. So where I go back to for you is like seven years. Right. Like it makes sense to me. You say, well, seven years I started going, wow, you know, this is pretty good. Because what happens is over time that, you know, you for some people, they’re in debt, but they go out two, three years later, all of a sudden they’re out of debt if you’re automatically paying your debt down early. I teach you in the Automatic Millionaire book how to do that. All of a sudden, your debt is gone or all of a sudden you’re like, wow, I never had any emergency money set aside and now I do. Or you turn around seven years later and this is what happens. I get people stopping me on the street and in the airports and sending me emails. Seven years later, you turn around and people come up to me and say, David, I have $100,000 in savings now or I have a quarter of a million dollars now or I’ve got… Somebody just put on Amazon the other day that the latte factory, they now own three homes and they were a renter. Well they didn’t go from stopping drinking coffee to owning three homes in 30 days. What happened was they read The Automatic Millionaire in 2004 and were sitting here in 2018. And so over 14 years of doing all this, their whole life is completely different. So what I would say to somebody, back to your question is that someone’s like, really trying to get your financial act together. Instead of fighting it, go with it. Go with it, cause here’s the thing, you’re going to be older. You’re going to blink your eyes and 10 years are going to go by and you’re either going to be 10 years older and still broke or you could be 10 years older and in much better financial shape. One of my things in the book I say is that wealth isn’t built in days, it’s built in decades and most people who a lot of times – you’re in the podcast world, right? So often it’s all about this whole get rich quick scheme like, you know Yeah, I got I got this thing for you and this is opportunity and you know I don’t know anybody who’s gotten rich quick Well, I know a whole lot of people who have spent their whole life trying to get rich quick and they just they stay broke Fast it takes longer to get rich quick. Actually if you look at the math there It’s it takes so much longer and the weird thing is like, you know The compound interest charts that you see in these books where they show you, like, hey, if you saved $5 a day or $10 a day and you invested it, it could be worth hundreds of thousands of dollars, or it could be worth millions. It all comes true. It all works. I knew this would happen because I have like 31 questions prepared for you. I’ve probably gone through seven of them so far. And you are like the world’s number one financial coach. If I had to give an elevator pitch, David Bach, world’s number one financial coach. And people listen to the show, they go, Clay’s not that smart. He took algebra three times and his ACT three times, but he’s kind of funny. So we listen. So I want to break down three notable quotables, and then I want to tell people about the most current project you’re working on. And I want to allow time for you to share with the listeners your most recent project and why they should check it out here. You have said in the past that people basically inflate in their mind how much money they actually make, and they almost universally underestimate what they actually spend. What do you mean by this? All the time. So if you’re with a buddy, and your buddy’s like, yeah, I’m making 100 grand a year. 100 grand a year, unbelievable. Okay, and then you open up the tax returns, because this is the thing about being a financial advisor, you actually get to see the truth, right? So if someone says to you, I make 100 grand a year. Boom. Then you open it up, and you really look at the tax returns, no they don’t, they make 85,000 a year. Okay. They rounded it up, right? Nobody says, oh I make $83,000 a year. They go, I make 85, or I make 90. People round up what they make. They tell other people, and they tell themselves, I’m actually making more. So if someone’s making 85, they’ll say to people they’re making 100. Okay, that’s number one. Number two is that, then people, when you ask people, how much do you spend? Because I always would do this. Yeah, how much do you think you spend a month very little at all? I absolutely always a very conservative. I’d never always spend. I’m huge They give you their number right? No, I’m spending I think you know, we probably and people sort of know right they go. I think we’re spending let’s say seven thousand a month I’m just giving you a random a random number. Okay, and then again, I’ll go into the math and if they said they’re spending seven thousand a month once I go into the real numbers They’re not they’re usually spending eight or nine thousand a month It’s always more. So what happens is it if it’s just if it’s just off by 10% of a person inflates in their mind what they’re making by 10% and Then they spend 10% more than they think they are There’s a 20% difference 20% difference there, right? But this is why people go, I don’t understand what’s wrong with me. I’m working so hard and I’m making good money and I’m still broke. One of the things that’s often wrong for people is that they’re not telling the truth to themselves about what they really make. And here’s the other thing I’ll say there. People take their gross number, right? So I make $100,000 a year. Well, no you don’t after taxes you make 55,000 I move to I move to Latvia. I have expatriated my money. I don’t want to pay taxes I am in some trouble with the IIS right now, but okay, you’re right so, I mean that’s a that’s that’s one right there and I think You know money’s funny because you made the point about algebra and geometry by the way, I hated those classes I always tell people, you know, the good thing about money is it’s super basic math and like if if you can take a 10 a number 10 and subtract 1 and realize it’s 9, you know all you need to know you need to know about money Not it like it’s $10 and you save a buck You’re in pretty decent shape much better than most people and they go what like yeah, that’s a good place to start You make a hundred bucks. You save $10. Can you figure that out? Yeah, okay, then good start there You know, I want to respect your time and I want to ask you two more questions here. The American way, the more we make the more we spend and if we’re not careful the more we owe. Who said that? David Bach. You said the American way, the more we make the more we spend and if we’re not careful the more we owe. I circled that, I highlighted that, I wrote that down, I thought about embroidering it on my face, that might be kind of intense but I decided not to. But I mean talk to me about that, the American way. Why is it so screwed up by default? We created the concept of a consumer society, right? The American dream is to have a lot of stuff. It’s never been easier to market to us to have more stuff. You’re on your phone and now it’s an Instagram ad. Click, click, click, buy something. It’s never been easier to spend money than it is today. Literally, it’s never been easier. You can just click and buy. Everything around us used to be we were bombarded by tens of thousands of messages a year and now we’re bombarded by hundreds of thousands if not millions of messages a year to spend more money. I went on this tirade the other day on CNBC, it might have been Yahoo, I can’t even track them in some interviews lately, but it was a tirade about the insanity of buying new cars every three years. The American way, the American system, the American marketing machine has us programmed to buy new cars every three years. It has us programmed that if we come in to any money, we should buy a new car. It has us programmed that if we get a tax refund, it’s time for a new car. Americans go out and they buy new cars and they borrow the money and there’s no worse place to put your money than into a brand new car. And yet there’s like $1.5 trillion now in car loans. We have more money in car loans than credit card loans and student loans. And a lot of those loans, people just keep going out and you buy a new car, you buy a $50,000 new car and you’ve been focused on the monthly payment because that’s how they marketed it to you. You drive that car off the lot and that car has gone down in value by $10,000, $15,000 the moment you drive it off the lot. You borrowed money to buy an asset that immediately goes down in value. It’s not an asset, it’s a liability. The whole key to really building wealth in America is this. You can either be somebody who spends money and you can be the consumer or you can be somebody who owns things. Owners get rich, right? So you can go to Starbucks and have a coffee and spend five bucks or if you’re going to not give that up, then at least own Starbucks stock, right? Because if you did, you could have made a fortune. To quote Kanye West, he had a meeting here with Mr. Donald Trump and they shared their dragon energy together. And Kanye West, he said, it’s important for us to own lands and not brands. Thank you. Really? I missed that part of the interview. Yeah, you’ve got to watch it. You got to watch it the fifth time. I just heard about the Superman hat. I was like, I didn’t know. When you watch it the fifth time, if you stare at the picture long enough, you will find the notable quotable. I want to ask you this here. You said in one of your books, and again, I’ve got highlights everywhere, and I add it into a big doc that I look at. It says, the truth about business is that it’s normally very tough. It’s very rare that you will start something and succeed right away. And if you do succeed, you might not make a lot of money. Most businesses take at least two or three years to show profits. In my mind, you’re America’s number one financial coach. Why did you say that? I mean, it’s the truth, right? Do you know a lot of entrepreneurs that make money their first couple of years in business? I mean, I know entrepreneurs who have been in business, unfortunately, five, six, seven, eight years and they still haven’t made any money. What they’re hoping is that as their top line grows, they’re going to turn around and sell the business and that’s where their money is going to come from. In fact, the entrepreneur fantasy is, I’m going to build a business and I’m going to sell it and then that’s how I’ll have money to retire. And today with all these billion dollar unicorn businesses, it seems like it’s easy but that’s a small, small percentage. In fact, most businesses don’t do a million dollars a year in revenue. I think it’s less than 5% of businesses do more than a million. I might have that wrong. I have to double check. But I think it’s like less than 5% of businesses do over a million dollars a year in revenue. I was in a group called entrepreneurs organization for like 16 17 years Yeah It’s one of the leading entrepreneur organizations and you had to do a million dollars in revenue to be in the organization and fat be the founder of the company and That was like, you know that line in the sand that you had to do a million dollars more weeds out most entrepreneurs so most entrepreneurs don’t have big businesses and Many entrepreneurs, you know, they’re constantly putting their money back in the business to grow and they’re not taking money out for themselves. Or what they’ve been trained to do by their accountants is run all their expenses through their business. When they do that, they get to the end of the year and then they have no profit. If they have no profit, what it really means is they actually don’t have any money. You like that sound you just made? I’ll do that from stage in front of entrepreneurs where I’ll diagram what that looks like. I’ll literally do the map. And they told you to run all these expenses through, and now you got to the end of the year and you’re at zero. And they go, this is great, you paid no taxes. And then I go, so where’s your money? The thing is, there’s a sound effect that really typifies it. It explains what you just said. That’s how we feel. That’s how we feel. A lot of accountants are coaching us to be poor, but you’re coaching your clients, your listeners, your nation to be successful. I would like for you to share with the listeners, what is the most recent project you’re working on right now? Because I’m an absolute homer for you, and not because I’m delusional, not because I’m delirious, but because I’m serious about success, and you have blessed me profoundly, and I have only paid you in my lifetime $80 that I know of. I purchased four of your books because I’m a bad person. I need to pay you more. Really, if you bought eight out of the books, it means that I’ve made about probably $250 in royalties, right? I’m going to mail you. I’m going to set up a PayPal GoFundMe account for you. We’ll see if we can support David Bach, America’s number one financial coach. Seriously, you’ve helped me so much, brother. I mean it. I just want the listeners to know what you’re working on right now because they need to go check it out. Hey, well, I’m super grateful to you. This has been really fun, and I would love to do a show with you again. This was a blast. I enjoyed it. First of all, come visit me over at my website. Go to, and you can join our newsletter, which is free, and about every two weeks I send out ideas and tidbits that can help you live and finish rich for the rest of your life. So that’s The new book is Smart Women Finish Rich. Just came out about two weeks ago. It’s in stores now. It’s updated 20th anniversary edition. We also put out an updated edition of Smart Couples Finish Rich. That’s a brand new updated book and it’s in stores now. It’s all on my website. Automatic Millionaire has been updated. So three of my books we’ve updated in the last 18 months, all brand new available for you. Also from an entrepreneur standpoint, I’m a co-founder of a financial service company. The name of it is AE Wealth Management and we have financial advisors all over the country. So that’s been my entrepreneur passion project the last three years. We’re the second fastest growing RIA in America according to Investment News and we’re really growing fast and having a ton of fun doing that, helping retirees all across America. And then the last thing is I am working on finishing my next book, which I’ll come back and talk to you about, which is coming out May 7th, 2019. It is called the Latte Factor and it is a parable. It’s like a who moved my cheese for personal finance that for written for people who probably normally would never read a financial book. I put my best wisdom, simple nuggets, into a little story that you can read in like less than an hour and hopefully that’s a book that my dream is it will translate all over the world and will spread the message of these simple ideas that pay yourself first, find your latte factor, save money automatically, but will spread it in a way that especially young people will begin to realize that you don’t need to be rich to live rich. That’s really my next big purpose. David, I want to sneak in a bonus question that you can hang up here. Why? Because you are so successful. You’ve been a nine times New York Times bestselling author. You’ve been on Oprah. You’ve been on The View. And by the way, you didn’t go on Oprah to confess something. A lot of people go on to Oprah the second. You go on Oprah the first time because you have a new book, the second time to confess. You’ve been on Regis and Kelly, you’ve been on Larry King, you’ve been on the Today Show, CNBC, Fox Business. You are the who’s who. You are the financial coach for America. Why are you so passionate about helping the listener listening right now? Not the listeners, but the specific person listening right now. Why do you care so much about their financial futures? You know, it’s such a good question. I’ll just be like totally open-hearted and honest with you at this very moment because I’m at a raw point. This has been a long day. I’ve had a computer crash and I’ve had like four interviews and then I’ve rewritten the copy, the actual copy that’s going to go on Amazon for this new book, The Latte Factor. We’ve been rewriting the copy for three weeks. Hopefully this is not your worst interview of the day. And the funny thing is, as I basically looked at this document, you know, 45 minutes ago before I got on this interview with you, and I thought to myself, why am I still torturing myself with this work? And the answer is, well, I don’t know what the answer is, it’s like a disease, right? I just deeply still care about what I teach. I love talking to people like you before we did the interview and finding out, I wrote a little book and that message somehow reached you and it helped change your life. And I still absolutely positively love that feeling that I get from knowing that I’m making an impact with my life. And for whatever reason, I think God put me here with this gift. True. And this is like my gift. And I keep saying to God, like, am I supposed to keep doing this? And here’s the funny thing, like the latte, I just watched his interview with Tim Ferriss. And I remember when Tim Ferriss reached out to me before he put out his first book. And I was watching this interview with Tim Ferriss. And he was talking about, you know, how does he choose the things he works on? And he said, you know, when I go to bed and I’m thinking about something and I wake up and I’m still thinking about it, a lot of times I know that’s something I have to get I have to work on. And I’ll take the latte factor as an example, this book I’m working on finishing right now. I’ve had that voice in me for 14 years. In 2004, I wanted to do that book after The Automatic Millionaire, and for 10 years, Random House, who is my publisher, I would bring it up every year, I wanna do this book, and they’d go, no, no, no, do a different book, right? And so finally I said, you know what, I’m gonna go write this book, and then I’m gonna go sell it to someone else if they don’t want to buy it. Literally, this book, I went out first time, wrote the book, designed it exactly how I want it and it’s going to come out with Simon and Schuster. And so 14 years, there was that voice inside me that just said, you have to go do this book. You have to get this message out. I don’t think I’m unique in that way. That’s the way entrepreneurs are. I think when you’re called to do something location. Yep. It’s your you know, you’re called from a higher power Paulo Coelho calls it your personal legend and you know, I love if you haven’t read if you haven’t read the alchemist Everybody should go read the alchemist. It’s like the greatest book ever. It’s alchemist. Yeah, the alchemist Paulo Coelho and Yeah, I went out and met with Paulo Coelho in Geneva because he’s like my idol in terms of authors. He’s sold like 150 million books and his stories have translated all over the world. And we were out having dinner and then we were out having a lot of drinks and I think it was around two in the morning and Paulo turned to me and said, what is the book that you have written that you need to write? And I start telling him about the Latte Factor. I go, Paulo, I want to write this book that will translate all over the world and spread this message to more people. And he looks at me and he goes, well then David, you must write that book. So that was 2012. So you know it’s gonna come out, it’s gonna come out in May 7th, 2019. I have a Bible verse I want to give you that you’d probably don’t want from me, because I’m certainly not a biblical prophet, but Colossians 3 23 24 to me explains the career of David Bach. Whatever you do, work at it with all your heart as working for the Lord, not for human masters. Since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving. David, thank you for serving, thank you for helping. I appreciate you so much. And we like to end the show with a boom, which stands for big, overwhelming, optimistic momentum. And so we like to count it down. Shep are you ready to count it down? Let’s do it. David are you ready to bring the boom here? Yeah, boom man, I love it. Here we go. 3, 2, 1, boom! Attend the world’s best business workshop led by America’s number one business coach for free by subscribing on iTunes and leaving us an objective review. Claim your tickets by emailing us proof that you did it and your contact information to info at thrive timeshow dot com. Well Thrive Nation on today’s show I’m going to walk you through three proven paths to getting rich or wealthy or achieving time freedom. There’s three proven paths I want to share, and then I’m going to introduce today’s guest. There’s path number one. You have to be exceptionally great at something. Like you want to be a phenomenal NBA player. You want to be a phenomenal ML, Major League Baseball player. You want to be a phenomenal NFL player, a great soccer player, an incredible singer, an incredible… You want to have so much talent that people will pay you millions of dollars just to be you. You just show up and people want to pay to be around you because you have the super talent. And if you’re out there and you have that, great. Second proven path to making a lot of money and to becoming wealthy is to find a problem, solve the problem, sell the solution, nail it and scale it. That’s where you start a business. You find a problem, you solve the problem, you sell the solution, and you nail it and scale it. And then the third option, so again option number one is be super talented. Option number two is go out there and you know start a business. Option number three, which I would describe as the easy route, is to buy an existing business that’s been proven to work. And so today’s guest, I’ve had the honor of working with him and serving him and helping his business develop over these past several years, and I’ve watched his company Window Ninjas thrive. I’ve watched the company Window Ninjas thrive despite a challenging economy. It continues to thrive. I watch the business continue to boom despite a challenging economy. He’s here to share with you about the opportunity of opening up your very own Window Ninjas business. Gabe Salinas, welcome to The Thrive Time Show. How are you sir? I am wonderful Clay. I’m glad to be here with you today. And just to give people a little context, how long have we worked with you and your business, sir? A little over three years, Clay. We’ve been together for a little bit of a journey now. And I think we picked the best of times and the worst of times to work together. I mean, it’s like right at the peak of the geopolitical craziness, that’s when we started working with you. But you’ve continued to grow. What kind of growth have you seen over these past three years? Just so the listeners know that you do have, in fact, a business that can navigate through difficult times. Well, we have over doubled our business here at Window Ninja since working with you. I actually went back and looked through our numbers, and I looked at some of our goals that we had set in the original conversation that I had with your team. And we had surpassed my original number that I wanted to hit with you guys, and I was quite shocked at how, I won’t say easy, but systematic it was for us to be able to get to where we wanted to be. And now you’re at a spot where your family’s thriving, you got a great growing family, your business is doing well, and you’re gonna be franchising this business. And so I wanna pull up your website. So for everybody listening right now, how do we get to your website to learn more about this? What’s the web address we should go to? You can go to That’s Okay, so I go to And how many locations do you have, just to give people some context? Currently we’re serving 12 different locations throughout four states. And what’s your average ticket price? I mean, if somebody’s, are we talking about thousands and thousands of dollars? You talking about hundreds of dollars? Or what kind of, are you, just kind of, I’m trying to get people who have no context to what window cleaning is all about what kind of customers do you serve? We serve residential and commercial clientele. Our typical residential family customer will spend on average between 250 and 350 dollars per service to have a gutter cleaning service or a window cleaning service or maybe have their house washed with a pressure washing service. Of course our commercial clients spend significantly more than that. Typically, a commercial property is something like an apartment complex or it could be like a 20-story hotel facility, something like that, which costs anywhere from $10,000 to $20,000 to upwards of $100,000 to take care of their facility. But the typical average resident, a commercial customer that we service is going to spend right around $250 to $300 with us each visit. And you offer a window cleaning, a gutter cleaning, pressure washing, dryer vent cleaning, chimney sweeping, you do all that. So if I’m listening right now and I say, you know, I’d kind of like to look into the opportunity and at least schedule a consultation, how much does it cost to buy a Window Ninjas franchise? going to run the right around $49,500 is the franchise fee. So for $49,500, they can become a member of our franchise team over here at Window Ninjas. And then they’re going to also going to have to purchase equipment. They’re going to need a vehicle, ladder racks, things of that nature. And they can look to spend anywhere between. An additional, you know, that’s going to run about another 50, up to 50,000, maybe $60,000 depending on their outfits of their vehicles. So all in, they can expect to spend anywhere between $85,000 and $115,000 depending on which route they want to go. Who should not reach out to you to learn about buying a Window Ninjas franchise? And then who should? Because I don’t want to waste any of your team or any of our listeners, their time. Again, time is our most valuable asset. Who is a good fit and who’s maybe not a good fit for Window Ninjas? Well, I’ll always like to start with the positive. A good fit is somebody who wants more, isn’t afraid to work, wants to get their hands dirty, but also step out of the business and have the business run itself. Somebody that has some financial stability would be a benefit as well. And somebody that wants more than the average or ordinary. That would be a great fit for somebody over here at Window Ninjas. And so what’s required of someone if they buy a Window Ninjas beyond the financial investment? I mean how much time does it take for you to teach a new potential franchisee how to start, how to get going, teach them the industry, teach them the moves, teach them the checklist, the systems? How long does that take? Clay, within a month we can have somebody up and running. That’s the start of the process to the finish of the process. Actual training of the actual services that we utilize, man, we spend about two weeks with a new team member. We get them up and rolling, understanding all aspects of the services that we provide, teaching them how to provide those services as well. And we also spend within that two weeks a period of time that we teach them the financial financial aspect, how to run their books, how to operate their systems, how to utilize the proper banking techniques, how to put away money, where to invest money into their company, all of those things we teach, all of those things and they can learn that within one month of start to finishing this whole process. Now we obviously understand that you could have been a male model and that could have been your career but you chose window cleaning instead. Does everybody else out there, do we have to be potential male models do we have to be that that kind of a do we have to be that that handsome to buy a window ninjas or can anybody I mean who who is not not a good fit and who is a good thing there’s somebody out there who you know and I know it’s not a good fit and somebody out there who is a great fit so do we have to be a male model or what’s kind of the pedigree a male model would absolutely be a good choice however it’s not a requisite. I know I got a great set of choppers here and my hair’s looking fly today. But no man, Clay, the average person who is looking to really grow their financial stability, their time freedom, and want to be part of a system that they don’t have to create on their own would be a great person for us. If you like to stay in bed all day long, you’re probably not gonna be a good fit for us over here at Window Ninjas. If you can’t be on time, are procrastinating all of the time, don’t enjoy checklists, you’re probably not gonna be a good fit for us over here at Window Ninjas. That’s big, I just wanna be very clear. If you’re the kind of person who can be on time and you’re consistently on time and you use a calendar, you use a to-do list and you’re goal-orientated, I think you’d be a great fit for Window Ninjas. But if you’re somebody who’s not really into the calendar, you’re not really into being on time, you’re not really a disciplined person, the thing about buying a franchise is the franchise is a proven system, but the franchise has to build upon your proven reputation as an individual. So if you’re a diligent person, the franchise can help you magnify you. Money is just a magnifier. Money can help you be more of who you are. So if you’re a very organized, detailed person, money can help you just go to the next level. So I would just tell you, if you’re out there, if you’re a diligent person, I think Window Ninjas is a great fit. If you’re not, hard pass. If you need to learn discipline, maybe come to one of our workshops and maybe we can teach you how to structure your day. I want to ask you the final question here. Since you started Window Ninjas, how has your life changed? I mean from where you were when you started it to now, how has your life changed? How has Window Ninjas allowed you to maybe optimize your own life? It’s a great question, Clay. Looking back over the past five years since Window Ninjas has been in operation, back in the early days we were running around with our hair on fire. Every day was a little chaotic. We were continually trying to build new systems so that our hair wasn’t always on fire. And over those past five years, we’ve had a lot of growth, a lot of success, and it’s allowed us the opportunity to have much more time freedom, financial freedom, and do what we’re passionate about. Our passion here is being customer service oriented. We believe in taking care of our clients and we have fun doing it. And that’s really been the most impactful thing over the past five years, what it has allowed, what it has allowed us to do. We definitely enjoy that time freedom. We definitely enjoy the financial freedom. Man, more than anything else, Clay, we really enjoy helping people. Whether it’s somebody that wants to become a franchise owner, one of our area managers, or the customers that we take care of on a daily basis, man. Customer service is number one and we serve all of our customers, including our people. Gabe, thank you so much for carving out time for us. We’ll harass you next week. And again, folks, if you’re out there looking for a franchise opportunity, I encourage you, I would encourage you, that’s why I have multiple franchise owners on this show, I encourage you to schedule a free consultation today at Schedule that consultation. See if it’s a good fit. If it’s not a good fit, then you’ve just invested maybe a half hour in that conversation. And that’s And Gabe, we’ll talk to you next week. All right, sounds great, Clay. Thanks, have a great day. The number of new customers that we’ve had is up 411% over last year. We are Jared and Jennifer Johnson. We own Platinum Pest and Lawn and are located in Owasso, Oklahoma. And we have been working with Thrive for business coaching for almost a year now. Yeah, so what we wanna do is we wanna share some wins with you guys that we’ve had by working with Thrive. First of all, we’re on the top page of Google now. I just want to let you know what type of accomplishment this is. Our competition, Orkin, Terminex, they’re both 1.3 billion dollar companies. They both have two to three thousand pages of content attached to their website. So to basically go from virtually non-existent on Google to up on the top page is really saying something. But it’s come by being diligent to the systems that Thrive has, by being consistent and diligent on doing podcasts, and staying on top of those podcasts to really help with getting up on what they’re listing and ranking there with Google. And also, we’ve been trying to get Google reviews, asking our customers for reviews. And now we’re the highest rated and most reviewed Pes Salon company in the Tulsa area and that’s really helped with our conversion rate and the number of new customers that we’ve had is up 411 percent over last year. Wait, say that again. How much are we up? 411 percent. So 411 percent we’re up with with our new customers. Amazing. Right. So not only do we have more customers calling in, we’re able to close those deals at a much higher rate than we were before. Right now, our closing rate is about 85%, and that’s largely due to, first of all, like our Google reviews that we’ve gotten. People really see that our customers are happy, but also we have a script that we follow. And so when customers call in, they get all the information that they need. That script has been refined time and time again. It wasn’t a one and done deal. It was a system that we followed with Thrive in the refining process. And that has obviously, the 411% shows that that system works. Yeah. So here’s a big one for you. So last week alone, our booking percentage was 91%. We actually booked more deals, more new customers last year than we did the first five months. Or I’m sorry, we booked more deals last week than we did the first five months of last year from before we worked with Thrive. So again, we booked more deals last week than the first five months of last year. And it’s incredible. But the reason why we have that success is by implementing the systems that Thrive has taught us and helped us out with. Some of those systems that we’ve implemented are group interviews. That way we’ve really been able to come up with a really great team. We’ve created and implemented checklists. Everything gets done and it gets done right. It creates accountability. We’re able to make sure that everything gets done properly, both out in the field and also in our office. And also doing the podcast, like Jared had mentioned, that has really, really contributed to our success. But that, like, is of the diligence and consistency and doing those in that system has really, really been a big blessing in our lives and also, you know, it’s really shown that we’ve gotten a success from following those systems. So before working with Thrive, we were basically stuck. Really no new growth with our business and we were in a rut. The last three years our customer base had pretty much stayed the same. We weren’t shrinking but we weren’t really growing either. Yeah, and so we didn’t really know where to go, what to do, how to get out of this rut that we’re in. But Thrive helped us with that. They implemented those systems, they taught us those systems, they taught us the knowledge that we needed in order to succeed. Now it’s been a grind, absolutely it’s been a grind this last year. But we’re getting those fruits from that hard work and the diligent effort that we’re able to put into it. So again, we were in a rut, Thrive helped us get out of that rut. And if you’re thinking about working with Thrive, quit thinking about it and just do it. Do the action and you’ll get the results. It will take hard work and discipline, but that’s what it’s going to take in order to really succeed. So we just want to give a big shout out to Thrive, a big thank you out there to Thrive. We wouldn’t be where we’re at now without their help. Hi, I’m Dr. Mark Moore. I’m a pediatric dentist. Through our new digital marketing plan, we have seen a marked increase in the number of new patients that we’re seeing every month, year over year. One month, for example, we went from 110 new patients the previous year to over 180 new patients in the same month. And overall, our average is running about 40 to 42 percent increase month over month, year over year. The group of people required to implement our new digital marketing plan is immense, starting with a business coach, videographers, photographers, web designers. Back when I graduated dental school in 1985, nobody advertised. The only marketing that was ethically allowed in everybody’s eyes was mouth-to-mouth marketing. By choosing to use services, you’re choosing to use a proof and turnkey marketing and coaching system that will grow your practice and get you the results that you’re looking for. I went to the University of Oklahoma College of Dentistry, graduated in 1983, and then I did my pediatric dental residency at Baylor College of Dentistry from 1983 to 1985. Hello, my name is Charles Colaw with Colaw Fitness. Today I want to tell you a little bit about Clay Clark and how I know Clay Clark. Clay Clark has been my business coach since 2017. He’s helped us grow from two locations to now six locations. We’re planning to do seven locations in seven years and then franchise. Clay has done a great job of helping us navigate anything that has to do with running the business, building the systems, the checklists, the workflows, the audits, how to navigate lease agreements, how to buy property, how to work with brokers and builders. This guy is just amazing. This kind of guy has worked in every single industry. He’s written books with Lee Crockrell, head of Disney with the 40,000 cast members. He’s friends with Mike Lindell. He does Reawaken America tours where he does these tours all across the country where 10,000 or more people show up to some of these tours. On the day-to-day he does anywhere from about 160 companies. He’s at the top. He has a team of business coaches, videographers, graphic designers, and web developers. They run 160 companies every single week. Think of this guy with a team of business coaches running 160 companies. In the weekly, he’s running 160 companies. Every 6-8 weeks he’s doing Reawaken America tours. Every 6-8 weeks he’s also doing business conferences where 200 people show up and he teaches people a 13 step proven system that he’s done and worked with billionaires helping them grow their companies. I’ve seen guys from start-ups go from start-up to being multi-millionaires, teaching people how to get time freedom and financial freedom through the system. Critical thinking, document creation, making it, putting it into organizing everything in their head to building into a franchisable scalable business. Like one of his businesses has like 500 franchises. That’s just one of the companies or brands that he works with. So amazing guy. Elon Musk, kind of like smart guy. He kind of comes off sometimes as socially awkward but he’s so brilliant and he’s taught me so much. When I say that, Clay doesn’t care what people think when you’re talking to him. He cares about where you’re going in your life and where he can get you to go. That’s what I like him most about him. He’s like a good coach. A coach isn’t just making you feel good all the time. A coach is actually helping you get to the best of you. Clay has been an amazing business coach. Through the course of that, we became friends. I was really most impressed with him is when I was shadowing him one time. We went into a business deal and listened to it. I got to shadow and listen to it. When we walked out, I knew that he could make millions on the deal and they were super excited about working with him. He told me, he’s like, I’m not going to touch it. I’m going to turn it down because he knew it was going to harm the common good of people in the long run. The guy’s integrity just really wowed me. It brought tears to my eyes to see that this guy, his highest desire was to do what’s right. And anyways, just an amazing man. So anyways, impacted me a lot. He’s helped navigate any time I’ve gotten nervous or worried about how to run the company or navigating competition and an economy that’s like, I remember we got closed down for three months. He helped us navigate on how to stay open, how to get back open, how to just survive through all the COVID shutdowns, lockdowns, because our clubs were all closed for. I’m Rachel with Tip Top K9, and we just want to give a huge thank you to Clay and Vanessa Clark. Hey, guys. I’m Ryan with Tip Top K9. Just want to say a big thank you to Thrive 15. Thank you to Make Your Life Epic. We love you guys. We appreciate you and really just appreciate how far you’ve taken us. This is our old house. Right? This is where we used to live a few years ago. This is our old neighborhood. See? It’s nice, right? So this is my old van and our old school marketing. And this is our old team. And by team I mean it’s me and another guy. This is our new house with our new neighborhood. This is our new van with our new marketing, and this is our new team. We went from four to 14, and I took this beautiful photo. We worked with several different business coaches in the past, and they were all about helping Ryan sell better and just teaching sales, which is awesome, but Ryan is a really great salesman, so we didn’t need that. We needed somebody to help us get everything that was in his head out into systems, into manuals and scripts and actually build a team. So now that we have systems in place, we’ve gone from one to ten locations in only a year. In October 2016, we grossed 13 grand for the whole month. Right now it’s 2018, the month of October. It’s only the 22nd. We’ve already grossed a little over 50 grand for the whole month. And we still have time to go. We’re just thankful for you, thankful for Thrive and your mentorship. And we’re really thankful that you guys have helped us to grow a business that we run now instead of the business running us. Just thank you, thank you, thank you times a thousand. The Thrive Time Show, two day interactive business workshops are the highest and most reviewed business workshops on the planet. You can learn the proven 13 point business systems that Dr. Zellner and I have used over and over to start and grow successful companies. When we get into the specifics, the specific steps on what you need to do to optimize your website. We’re going to teach you how to fix your conversion rate. We’re going to teach you how to do a social media marketing campaign that works. How do you raise capital? How do you get a small business loan. We teach you everything you need to know here during a two day, 15 hour workshop. It’s all here for you. You work every day in your business, but for two days you can escape and work on your business and build these proven systems so now you can have a successful company that will produce both the time freedom and the financial freedom that you deserve. You’re going to leave energized, motivated, but you’re also going to leave empowered. The reason why I built these workshops is because as an entrepreneur I always wish that I had this and because there wasn’t anything like this I would go to these motivational seminars, no money down, real estate, Ponzi scheme, get motivated seminars and they would never teach me anything. It was like you went there and you paid for the big chocolate Easter Bunny but inside of it it was a hollow nothingness and I wanted the knowledge. They’re like, oh but we’ll teach you the knowledge after our next workshop. And the great thing is we have nothing to upsell. At every workshop, we teach you what you need to know. There’s no one in the back of the room trying to sell you some next big, get rich quick, walk on hot coals product. It’s literally, we teach you the brass tacks, the specific stuff that you need to know to learn how to start and grow a business. I encourage you to not believe what I’m saying, and I want you to Google the Z66 auto auction. I want you to Google elephant in the room. Look at Robert Zellner and Associates. Look them up and say, are they successful because they’re geniuses or are they successful because they have a proven system? When you do that research, you will discover that the same systems that we use in our own business can be used in your business. Come to Tulsa, book a ticket, and I guarantee you it’s going to be the best business workshop ever. And we’re going to give you your money back if you don’t love it. We’ve built this facility for you, and we’re excited to see it. Hey, I’m Ryan Wimpey with Tip Top K9, and I’m the founder. I’m Rachel Wimpey, and I am a co-founder. So we’ve been running Tip Top for about the last 14 years, franchising for the last 3-4 years. So someone that would be a good fit for Tip Top loves dogs, they’re high energy, they want to be able to own their own job, but they don’t want to worry about, you know, that high failure rate. They want to do that like bowling with bumper lanes. So you give us a call, reach out to us, we’ll call you, and then we’ll send you an FTD, look over that, read it, fall asleep to it, it’s very boring, and then we’ll book a discovery day and you come and you can spend a day or two with us, make sure that you actually like it, make sure that we can adopt it to something that you want to do. So an FCD is a franchise disclosure document. It’s a federally regulated document that goes into all the nitty-gritty details of what the franchise agreement entails. So who would be a good fit to buy a Tip Top K9 would be somebody who loves dogs, who wants to work with dogs all day as their profession. You’ll make a lot of money, you’ll have a lot of fun, it’s very rewarding. And who would not be a good fit is a cat person. So the upfront cost for Tip Top is $43,000 and a lot of people say they’re generating doctor money but on our disclosure the numbers are anywhere from over a million dollars a year in dog training, what our Oklahoma City location did last year, to $25,000-$35,000 a month. To train and get trained by us for Tip Top Canine, to run your own Tip Top Canine, you would be with us for six weeks here in Tulsa, Oklahoma. So we’ve been married for seven years. Eight years. Eight years. So if you’re watching this video, you’re like, hey, maybe I want to be a dog trainer. Hey, that one sounds super amazing. Go to our website,, click on the yellow franchising tab, fill out the form, and Rachel and I will give you a call. Our Oklahoma City location last year, they did over a million dollars. He’s been running that shop for three years before he was a youth pastor with zero sales experience, zero dog training experience before he ever met with us. So just call us, come spend a day with us, spend a couple days with us, make sure you like training dogs and own your own business. Well the biggest reason to buy a Tip Top K9 is so you own your own job and you own your own future and you don’t hate your life. You get an enjoyable job that brings a lot of income but is really rewarding. My name is Seth Flint, and I had originally heard about Tip Top K9 through my old pastors who I worked for. They trained their great Pyrenees with Ryan and Tip Top K9. They did a phenomenal job and became really good friends with Ryan and Rachel. I was working at a local church and it was a great experience. I ended up leaving there and working with Ryan and Tip Top K9. The biggest thing that I really, really enjoy about being self-employed is that I can create my own schedule. I have the ability to spend more time with my family, my wife and my daughter. So my very favorite thing about training dogs with Tip Top K9 is that I get to work with the people. Obviously I love working with dogs, but it’s just so rewarding to be able to train a dog that had serious issues, whether it’s behavioral or you know, whatever, and seeing a transformation, taking that dog home, and mom and dad are literally in tears because of how happy they are with the training. If somebody is interested, I’d say don’t hesitate. Make sure you like dogs, make sure that you enjoy working with people, because we’re not just dog trainers, we are customer service people that help dogs. And so definitely, definitely don’t hesitate, just come in and ask questions, ask all the questions you have.


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